QUOTE(AnnC @ Feb 7 2009, 09:14 PM)

I don't have the problem of late payments or making lessons up, because I take payment at the end of each lesson.
I wish I could (because that would also keep things more flexible for myself), but I tried this for over a year and had to give up. The endless discussions whether or not a late cancellation has to be paid for, and some even blatantly refusing to give me the money (needless to say I then blatantly refused to teach them) were a bit tiring and in the end too much.
Maybe it is just the area I live in, I sometimes really don't know. Money is quite tight up here, the overall level of education is not the highest either - but strangely the people I seem to have the most problems with are not the ones on a tight budget. I think they are just plain rude and have no manners, you can possibly get that anywhere
I really don't mind being lenient and use my discretion with people who usually don't cause problems. You get to know your students after a while, and the people who really never miss a lesson and then cancel on the same day for a reason not in their hands are strangely (or maybe not so strangely) always the ones who immediately offer to pay for the missed lesson.
But the ones who constantly try it on are really getting on my nerves. As someone said: There's no point having a contract if you don't enforce it, and I do, but they just don't give a s###, and the problem repeats itself on a constant basis. The only way to really solve this problem is sacking them for breach of contract, and I am getting close to this one with one or two people.
As for being desperate for money, Lucid, I'll open another thread for this, because you (or others) might want to look into Tax Credits if that hasn't already happened ...